Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Hapo Communtiy Credit Union
Hapo Communtiy Credit Union
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
21
+10.5% vs 2024Originations
$3.4M
Loans x average loanAverage loan
$161,667
Average interest rate
7.1%
Denial rate
33%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 39 | 21 | $3.4M | $161,667 | 7.1% | 33% | 0% |
| 2024 | 48 | 19 | $2.8M | $145,526 | 6.55% | 48% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| WA | 17 | $3.0M | $177,941 | 7.01% | 31% | 0% |
| OR | 4 | $370,000 | $92,500 | 7.47% | 33% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.